Call reports 2019
COMMERCIAL BANK & TRUST COMPANY — 2019
What COMMERCIAL BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 768,631,000 | 771,684,000 | 789,392,000 | 812,750,000 |
| Total loans | 500,878,000 | 507,044,000 | 498,309,000 | 477,681,000 |
| Allowance for loan losses | 6,837,000 | 6,822,000 | 6,826,000 | 7,174,000 |
| Securities available for sale | 181,769,000 | 182,299,000 | 183,320,000 | 212,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,396,000 | 676,257,000 | 691,613,000 | 718,345,000 |
| Interest-bearing deposits | 521,149,000 | 521,400,000 | 525,537,000 | 552,377,000 |
| Noninterest-bearing deposits | 157,247,000 | 154,857,000 | 166,076,000 | 165,968,000 |
| Equity capital | 84,625,000 | 89,751,000 | 92,310,000 | 88,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,260,000 | 16,807,000 | 25,483,000 | 33,783,000 |
| Interest expense | 1,329,000 | 2,837,000 | 4,365,000 | 5,883,000 |
| Net interest income | 6,931,000 | 13,970,000 | 21,118,000 | 27,900,000 |
| Noninterest income | 2,509,000 | 5,191,000 | 8,010,000 | 10,837,000 |
| Noninterest expense | 5,980,000 | 11,757,000 | 17,795,000 | 23,878,000 |
| Provision for loan losses | 103,000 | 201,000 | 293,000 | 937,000 |
| Pretax income | 3,357,000 | 7,209,000 | 11,053,000 | 13,956,000 |
| Income tax | 181,000 | 396,000 | 663,000 | 841,000 |
| Net income | 3,176,000 | 6,813,000 | 10,390,000 | 13,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,226,000 | 82,963,000 | 84,640,000 | 80,965,000 |
| Total capital | 86,849,000 | 89,637,000 | 91,305,000 | 87,567,000 |
| Risk-weighted assets | 529,664,000 | 533,804,000 | 533,005,000 | 527,590,000 |